Credit Cards Center Credit cards from our partners
Reply
Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
0

Re: BOA and Cap one


missmoney-bags wrote:
Nope I talked to BOA and Cap 1, both said if I keep them out of the BK, they will shut me off when they do thier soft pulls every month.  Thats how these banks arent staying afloat.  If you have to file bk because of the housing market, why not have a probation period, and have that customer prove they can handle the credit line still...cut the limit to 200 or 300 instead of there nice 1000 limit. Serious ppl use your heads...lol!!

That's still not a bad thing.  If you don't include them in your BK, at least you won't be on their BK list 10 years from the date you filed.  They may not be willing to help you now, but when the BK falls off, you will be able to get a new card with them.

Regular Contributor
Posts: 181
Registered: ‎07-02-2009
0

Re: BOA and Cap one

Are you talking about being discharged or falls off in 10 years?  What if I paid them off and closed them before I file? 
Highlighted
Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
0

Re: BOA and Cap one


missmoney-bags wrote:
Are you talking about being discharged or falls off in 10 years?  What if I paid them off and closed them before I file? 

Some creditors won't extend you new credit if you included them in your BK.  That is per some members of this forum. 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.